銀行英語(yǔ)專(zhuān)用詞匯概述

1、account number 帳目編號(hào) depositor 存戶(hù) pay-in slip 存款單 a deposit form 存款單 a banding machine 自動(dòng)存取機(jī) to deposit 存款 deposit receipt存款收據(jù)private deposits 私人存款 certificate of deposit 存單 deposit book, passbook存折credit card 信用卡 principal 本金 overdraft, overdraw 透支 to counter sign 雙簽 to endorse 背書(shū) endorser 背書(shū)人 to ca

2、sh 兌現(xiàn) to honor a cheque 兌付 to dishonor a cheque 拒付 to suspend payment 止付 cheque,check 支票 cheque book 支票本 order cheque 記名支票 bearer cheque 不記名支票 crossed cheque 橫線支票 blank cheque 空白支票 rubber cheque 空頭支票 cheque stub, counterfoil 票根 cash cheque 現(xiàn)金支票 traveler's cheque 旅行支票 cheque for transfer轉(zhuǎn)帳支票outst

3、anding cheque 未付支票 canceled cheque 已付支票 forged cheque 偽支票 Bandar's note 莊票，銀票 banker 銀行家 president 行長(zhǎng) savings bank 儲(chǔ)蓄銀行 Chase Bank 大通銀行 National City Bank of New York 花旗銀行 Hongkong Shanghai Banking Corporation匯豐銀行Chartered Bank of India, Australia and China麥加利銀行Banque de I'IndoChine 東方匯理銀行 c

4、entral bank, national bank, banker's bank中央銀行bank of issue, bank of circulation發(fā)行幣銀行commercial bank商業(yè)銀行，儲(chǔ)蓄信貸銀行member bank, credit bank 儲(chǔ)蓄信貸銀行 discount bank 貼現(xiàn)銀行 exchange bank 匯兌銀行requesting bank委托開(kāi)證銀行issuing bank, opening bank開(kāi)證銀行advising bank, notifying bank 通知銀行 negotiation bank 議付銀行 confirmin

5、g bank 保兌銀行 paying bank 付款銀行 associate banker of collection 代收銀行 consigned banker of collection 委托銀行 clearing bank 清算銀行 local bank 本地銀行 domestic bank 國(guó)內(nèi)銀行 overseas bank 國(guó)外銀行 unincorporated bank 錢(qián)莊 branch bank 銀行分行 trustee savings bank 信托儲(chǔ)蓄銀行 trust company 信托公司 financial trust 金融信托公司 unit trust 信托投資公

6、司 trust institution 銀行的信托部 credit department銀行的信用部commercial credit company(discount company)商業(yè)信貸公司(貼現(xiàn)公司)neighborhood savings bank, bank of deposit街道儲(chǔ)蓄所credit union 合作銀行 credit bureau 商業(yè)興信所 self-service bank無(wú)人銀行l(wèi)and bank 土地銀行 construction bank 建設(shè)銀行 industrial and commercial bank工商銀行bank of communica

7、tions 交通銀行 mutual savings bank 互助儲(chǔ)蓄銀行 post office savings bank 郵局儲(chǔ)蓄銀行 mortgage bank, building society抵押銀行industrial bank實(shí)業(yè)銀行home loan bank家宅貸款銀行reserve bank 準(zhǔn)備銀行 chartered bank 特許銀行 corresponding bank 往來(lái)銀行 merchant bank, accepting bank承兌銀行investment bank 投資銀行 import and export bank (EXIMBANK)進(jìn)出口銀行jo

8、int venture bank合資銀行money shop, native bank 錢(qián)莊 credit cooperatives信用社clearing house 票據(jù)交換所 public accounting 公共會(huì)計(jì) business accounting商業(yè)會(huì)計(jì)cost accounting 成本會(huì)計(jì) depreciation accounting折舊會(huì)計(jì)computerized accounting 電腦化會(huì)計(jì)general ledger 總帳 subsidiary ledger 分戶(hù)帳 cash book 現(xiàn)金出納帳 cash account 現(xiàn)金帳 journal, day-b

9、ook 日記帳，流水帳 bad debts 壞帳 investment 投資 surplus 結(jié)余 idle capital 游資 economic cycle 經(jīng)濟(jì)周期 economic boom 經(jīng)濟(jì)繁榮 economic recession 經(jīng)濟(jì)衰退 economic depression 經(jīng)濟(jì)蕭條 economic crisis 經(jīng)濟(jì)危機(jī) economic recovery 經(jīng)濟(jì)復(fù)蘇 inflation 通貨膨脹 deflation 通貨收縮 devaluation 貨幣貶值 revaluation 貨幣增值 international balance of payment國(guó)際收支fa

10、vourable balance順差adverse balance 逆差 hard currency 硬通貨 soft currency 軟通貨 international monetary system國(guó)際貨幣制度the purchasing power of money貨幣購(gòu)買(mǎi)力money in circulation 貨幣流通量 note issue 紙幣發(fā)行量 national budget 國(guó)家預(yù)算 national gross product國(guó)民生產(chǎn)總值public bond 公債 stock, share 股票 debenture 債券 treasury bill 國(guó)庫(kù)券 deb

11、t chain 債務(wù)鏈 direct exchange 直接(對(duì)角)套匯 indirect exchange間接(三角)套匯cross rate, arbitrage rate套匯匯率foreign currency (exchange) reserve 外匯儲(chǔ)備 foreign exchange fluctuation外匯波動(dòng)foreign exchange crisis外匯危機(jī)discount 貼現(xiàn) discount rate, bank rate貼現(xiàn)率gold reserve 黃金儲(chǔ)備 money (financial) market 金融市場(chǎng) stock exchange 股票交易所

12、broker 經(jīng)紀(jì)人 commission 傭金 bookkeeping 簿記bookkeeper 簿記員 an application form申請(qǐng)單bank statement 對(duì)帳單 letter of credit 信用證 strong room, vault保險(xiǎn)庫(kù)equitable tax system 等價(jià)稅則 specimen signature簽字式樣banking hours, business hours 營(yíng)業(yè)時(shí)間銀行英語(yǔ)口語(yǔ)新開(kāi)帳戶(hù)What kind of account did you have in your mind? 你想開(kāi)哪種帳戶(hù) ?Do you like to

13、 open a current account? 你想開(kāi)一個(gè)活期存款帳戶(hù)嗎 ? A deposit or current account? 定期還是活期 ?Please tell me how you would like to deposit your money. 請(qǐng)告訴我你想存何種戶(hù)頭 ?There's a service charge for the checking account but no charge for the savings. 支票戶(hù)頭要收服務(wù)費(fèi)，現(xiàn)金戶(hù)頭不收。Our minimum deposit for a savings account is 100 d

14、ollars. 我們儲(chǔ)蓄存款的最低存款額是 100 美圓。Five yuan is the minimum original deposit. 最低起存款額是 5 元。You can open a savings account at any time with an initial deposit of 50 dollars. 你可隨時(shí)以 50 美圓的起存額開(kāi)立儲(chǔ)蓄帳戶(hù)。Even one yuan is all right. 甚至一元也可以起存。Here is your pasbook. Please bring it back when you deposit or withdraw mo

15、ney any time you like. Keep it well and inform us whenever you lose it. 這是你的存折，存取款時(shí)請(qǐng)帶來(lái)。保管好存折，遺失請(qǐng)告訴我們。I should like to open a current account. 我想開(kāi)一個(gè)活期存款帳戶(hù)。I need a checking account so that I can pay my bill. 我需開(kāi)個(gè)支票帳戶(hù)，這樣就能付帳。We'd like to know how we open a checking-savings account. 我們想知道如何開(kāi)一個(gè)支票儲(chǔ)蓄帳

16、戶(hù)。I have a checking account here. 我在這里有一個(gè)支票存款帳戶(hù)。 I think I'd like a deposit account. 我想要開(kāi)個(gè)定期存款帳戶(hù)。 Can I open a current account here? 我能否在這兒開(kāi)個(gè)活期存款帳戶(hù)？ I want to open a deposit account with you. 我要開(kāi)個(gè)儲(chǔ)蓄帳戶(hù)。I'd like to open a deposit account with you. 我想在你們這兒開(kāi)個(gè)定期存款帳戶(hù)。Could you tell me the differen

17、ce between a savings account and a checking account?請(qǐng)告訴我儲(chǔ)蓄存款與支票存款的區(qū)別好嗎？Please tell me the procedure for opening a savings account. 請(qǐng)告訴我開(kāi)個(gè)儲(chǔ)蓄帳戶(hù)需要什么手續(xù)。Will 100 yuan be enough for a minimum deposit?100 元作最低存款額夠嗎？I'd like to know whether a 200 yuan deposit will be enough for opening a checking accoun

18、t.我想知道開(kāi)一個(gè)支票帳戶(hù) 200 元存款是否夠。 Could you tell me how to operate this account? 請(qǐng)告訴我如何經(jīng)管這個(gè)帳戶(hù)好嗎？ Is there any minimum for the first deposit? 第一次儲(chǔ)蓄有最低限額嗎？ How much does each account cost?每個(gè)帳戶(hù)要花多少錢(qián)？Useful Phrases current deposit, current account活期存款fixed deposit, fixed account定期存款fixed deposit by installments

19、零存整取joint account 聯(lián)名存款帳戶(hù) to open an account 開(kāi)戶(hù)頭銀行英語(yǔ)口語(yǔ)存款How much do you want to deposit with us? 你想在我們這存多少？How much do you wish to pay into your account? 你希望在你的戶(hù)頭上存多少？How much money do you plan to keep in your account on a regular basis? 你計(jì)劃在你的戶(hù)頭上定期存放多少錢(qián)？How much cash do you plan to deposit in your a

20、ccount? 你有多少錢(qián)要存入呢？I think you may deposit your money with the bank, or leave it here for temporary safe-keeping.我認(rèn)為你可把錢(qián)存入銀行，或留在銀行暫保管起來(lái)。Would you please fill in the depositing form, giving the sum of money you're to deposit as well as your name, address and professional unit?請(qǐng)?zhí)顝埓婵顔?，?xiě)明要存的數(shù)額以及你的姓名，

21、地址和工作的單位，好嗎？I want to deposit 300 yuan in my account. 我想在我的戶(hù)頭上存 300 元。I want to deposit these cheques in my account. 我想把這些支票存在我的戶(hù)頭上。I'd like to pay 200 yuan into my deposit account. 我想在在我的定期存款戶(hù)頭上存 200 元。I want to deposit my paycheck. 我想存入我的工資支票。I'd like to know whether I can cash a cheque he

22、re. 我想知道我能否在這兌換支票。Will you please cash this traveler's cheque? 請(qǐng)兌現(xiàn)這張旅行支票好嗎？I'd like to cash this money order. 我想兌現(xiàn)這張匯款單。I want to cash the balance of a traveler's letter of credit. 我要把旅行信用證的結(jié)余兌現(xiàn)。Will you please tell me whether you charge for cheques? 請(qǐng)告訴我兌換支票收手續(xù)費(fèi)嗎？Could you tell me how m

23、uch the checks cost? 請(qǐng)告訴我這些支票要花多少錢(qián)？What if I overdraw? 如果透支了怎么辦？Please sign your name on the bottom line if you want to cash the check. 如果想兌支票，請(qǐng)?jiān)诘拙€上簽名。Please write your account number on the back of the check. 請(qǐng)?jiān)谥北趁鎸?xiě)上你的帳號(hào)。We honored the check as the overdraft was only 5 yuan. 我們承兌這張支票的透支額只有 5 元。Ple

24、ase endorse the cheque. 請(qǐng)背簽這張支票。The traveler's checks cost 1.5% of the total amount of purchase. 旅行支票手續(xù)費(fèi)是購(gòu)買(mǎi)總額的 1.5% 。Here's the cheque book. When you send a cheque by post be careful to cross it, but if you wish to cash a cheque yourself, you must leave it "open".這是一本支票簿，你郵寄支票時(shí)，注意要

25、在支票上打叉線。但是如果你本人想開(kāi)張兌現(xiàn)支票，就不可 打叉線。Each cheque you write will cost 2 dollars. 你每開(kāi)一張支票將花 2 美圓。Useful Words and Phrases account number 帳目編號(hào) depositor 存戶(hù) pay-in slip 存款單 a deposit form 存款單 a banding machine 自動(dòng)存取機(jī) to deposit 存款 deposit receipt 存款收據(jù) private deposits 私人存款 certificate of deposit存單deposit book,

26、 passbook存折credit card 信用卡 principal 本金 overdraft, overdraw 透支 to counter sign 雙簽 to endorse 背書(shū) endorser 背書(shū)人 to cash 兌現(xiàn) to honor a cheque 兌付 to dishonor a cheque拒付to suspend payment 止付 cheque,check 支票 cheque book 支票本 order cheque 記名支票 bearer cheque 不記名支票 crossed cheque 橫線支票 blank cheque 空白支票 rubber

27、cheque 空頭支票 cheque stub, counterfoil票根cash cheque 現(xiàn)金支票 traveler's cheque 旅行支票 cheque for transfer 轉(zhuǎn)帳支票 outstanding cheque 未付支票 canceled cheque 已付支票 forged cheque 偽支票 Bandar's note 莊票，銀票銀行英語(yǔ)口語(yǔ)取款、結(jié)余I'd like to know if I can draw on my account for payment of things I buy in Tianjin. 我想知道一下我

28、是否能提取存款來(lái)支付天津購(gòu)物的費(fèi)用。I want to withdraw 200 dollars from my deposit account. 我要從我的定期存款中支取 200 美圓。I want to close my account with you. 我想結(jié)束在你們這兒的帳戶(hù)。I'd like to draw 100 yuan against this letter of credit. 我想從這份信用證上提款 100 元。May I draw money against the letter of credit here? 我可以在這兒用這份信用證取錢(qián)嗎？Could you

29、 tell me my balance? 能否把存款結(jié)余金額告訴我？Please let me know my balance. 請(qǐng)告訴我結(jié)余金額。I think you can draw on this account by cheque in payment of goods. 我以為你可用支票提款支付購(gòu)物費(fèi)用。Your balance at the bank is 300 yuan. 你在本行的結(jié)余是 300 元。Your deposit is exhausted. 你的存款支凈了。Your letter of credit is used up. 你的信用證用完了。Please tel

30、l me how you wish to draw your money. 請(qǐng)告訴我你希望怎樣支款。Fill our a withdrawal form, please. 請(qǐng)?zhí)顚?xiě)取款單。The letter of credit is exhausted. 信用證上的款子已提清。The letter at Counter 6 will pay you against your number slip. 六號(hào)柜臺(tái)的出納員將根據(jù)你的號(hào)碼牌付給你錢(qián)。Useful Words and Phrasesto close an account, to clear an account結(jié)清to draw mon

31、ey 取款 drawing-out slip 取款單 the number slip 號(hào)碼牌 a withdrawal form 取款單to fill in the receipt in duplicate一式兩份填這張收據(jù)teller, cashier 出納員銀行英語(yǔ)口語(yǔ)兌換貨幣Please tell me how much you want to change. 請(qǐng)告訴我你要換多少。How much of the remittance do you want to convert into Japanese yen? 你要把多少匯款換成日?qǐng)A？What kind of currency do

32、 you want? 要哪種貨幣？What's it you wish to change? 你有什么要換的？What kind of currency do you want to change? 要換哪種貨幣？In what denominations? 要什么面值的？Please tell me what note you want. 請(qǐng)告訴我要什么鈔票。Will seven tens be all right?7 張 10 元的可以嗎？Is it in traveler's cheques? 換旅行支票嗎？I'd like to know how I shall

33、 give it to you. 我想知道如何付錢(qián)給你。How would you like it? 你要什么面額的？Would you kindly sign the exchange form, giving your name and address? 請(qǐng)?jiān)趦稉Q單上簽字，寫(xiě)出你的姓名和地址，好嗎？Can you change me some money, please? 能否請(qǐng)你給我兌換一些錢(qián)？Here it is, some French francs, Swiss francs, American dollars and a few Dutch guilders. 這些就是：一些法國(guó)

34、法郎，瑞士法郎，美圓和一些荷蘭盾。Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change.請(qǐng)你給我 7 張 5 鎊紙幣， 4 張 1 鎊紙幣， 4 張 10 先令紙幣，剩下的要零票。Would you mind giving me the six pence in coppers?勞駕給我 6 便士的銅幣I'd like to know if you could change this money

35、 back into U.S. dollars for me. 我想知道能否把這筆兌回成美圓。Could you change these French francs for me? 能給我兌換這些法國(guó)法郎嗎？Can you give me 100 dollars in Swiss francs? 能否給我 100 美圓的瑞士法郎？I'd like to convert the full amount of the remittance into U.S. dollars. 我想把全部匯款換成美圓。I'd like some coins for this note. 我想把這張

36、紙幣換成硬幣。I'd like to break this 50 dollar note. 我想把這張 50 美圓紙幣換開(kāi)。Five twenties and ten singles, please. 請(qǐng)給我 5 張 20 元和 10 張一元的。I need 300 dollars in 100-dollar cheques. 我要 300 美圓票面為 100 美圓的支票。I hope you'll give me ten traveler's cheques of 100 dollars each. 我希望給我 10 張面額為 100 美圓的旅行支票。In fives

37、, please. 請(qǐng)給我 5 元票面的。Could you give me some small notes? 給我一些小票好嗎？Useful Words and Phrasescurrency, money貨幣money changing兌換貨幣an exchange form兌換單bank note 鈔票 note of large denomination大票note of small denomination小票small change 零錢(qián) subsidiary money 輔幣 nickel piece 鎳幣 plastic currency notes 塑料鈔票 convert

38、ible money 可兌換（黃金）紙幣銀行英語(yǔ)口語(yǔ)儲(chǔ)蓄存款利息What's the interest rate for the savings account? 儲(chǔ)蓄存款的利率是多少？Do you pay interest on this account? 這種存款付給利息嗎？Please tell me what the annual interest rate is. 請(qǐng)告訴我年利率是多少。Interest is paid at the rate of 1% per annum at present. 目前每年的利率是 1% 。It allows you to earn a li

39、ttle interest on your money. 這可使你從存款中獲得一點(diǎn)利息。The account carries interest of 4%.該存款有 4% 的利息。The interest is added to your account every year. 每年的利息都加到你的存款中。The interest rate for the savings account is 4%. 儲(chǔ)蓄存款的利率是 4% 。It varies from time to time. At present it is 6%. （年息）每個(gè)時(shí)期都不同，現(xiàn)在是六厘。Useful Words an

40、d Phrasesinterest rate 利率 simple interest 單利 compound interest 復(fù)利 legal interest 法定利息 prime rate 優(yōu)待利率 payable interest應(yīng)付利息保值儲(chǔ)蓄補(bǔ)貼率lending rate 貸款利率 usury 高利貸 the subsidy rate for value-preserved savings銀行英語(yǔ)口語(yǔ)外匯率Tell me the current rate for RMB, please. 請(qǐng)告訴我人民幣的現(xiàn)價(jià)。What's your selling rate for RMB yuan in notes today? 你們今天人民幣現(xiàn)鈔的售價(jià)是多少？What's the dollar going for today? 美圓今天的售價(jià)是多少？Our